I'm 17 and I got a license but my parents wont let me drive their car cuz i dont have insurance are they right

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oklatom	Insurance goes with vehicles, not with drivers. Assuming you live at their address, all they have to do is add you as a secondary driver on their insurance and pay the increase since you are under age, and you can drive their car with their permission. If you went to get your 'own' insurance, what would you get it on? You don't own a vehicle to insure. Was this answer helpful to you? Yes / No

Johhny Doe	ITS NOT JUST TEENS. YOU DRIVE UNINSURED YOU GET TICKET YOU DO IT AGAIN YOU GET LICENCE SUSPENDED. NOT THE BEST QUESTION. Was this answer helpful to you? Yes / No

Alex	yes theres some insurance plans that only cover whoevers name the car is in and their spouse Was this answer helpful to you? Yes / No

Wisdom	There may be a character issue here. You may have to earn their trust. Sometimes attitude will teach parents to with-hold privileges. Driving is not a right, its a privilege that has to be earned. They may be saving your life. Was this answer helpful to you? Yes / No

kazbaznrian	you yourself have to be insured to drive the car as a named driver so yes they are right and it is illegal if you get caught Was this answer helpful to you? Yes / No

Sweet-ness	Yes! Was this answer helpful to you? Yes / No

Oracle	Why would the law be any different for a young inexperienced driver such as yourself than for someone with 50 years driving experience? If you don't have insurance or are not named on an insurance policy to drive a vehicle, if you drive it, you're driving it uninsured. This is an offence under the Road Traffic Act and will result in an IN10 conviction, points, a hefty fine and (in the event of a new licence-holder <6 months), possible immediate disqualification. Was this answer helpful to you? Yes / No

futuretopgun101	The insurance covers the driver, not the car. So for every car you drive you need to be covered by insurance for that particular car. Your parents would have the option of putting you on their insurance which is much cheaper but there are limits. The main driver in who's name the insurance is in must be the person that drives the car the most. Also, in the majority of cases, you will not get any no-claims bonus. Which means as long as you dont make any claims then it gets much cheaper over time. The law says that ALL drivers need to be covered by insurance to drive legally. So no, your parents are absolutely correct. I would ask them if they would put you on their insurance. You could pay the difference in the costs. Should be a few hundred pounds. Was this answer helpful to you? Yes / No

puppies.sunshine	they are right the policy will not cover any damage while you are driving Was this answer helpful to you? Yes / No

enygma	i think it depends on the stat ur living in...i know in ny they are becoming very strict now with you youngsters reeking havoc with your new licenses...lol...seriously i think they are just being careful, not overprotective... Was this answer helpful to you? Yes / No

WelshLad	Every driver must be insured, as ke them to add you as a named driver. Was this answer helpful to you? Yes / No

Ryan's mom	You have to get a job and pay the extra to have them add you to their insurance. Boys cost more than girls, and the insurance company also wants to see your grades...typically better students are less of a risk...more responsible. You could also get a job and buy your own car and insurance, gas, upkeep. If your parents are OK with you just paying for the difference on their insurance it would be cheaper for you and you could save more money for a decent car. Was this answer helpful to you? Yes / No

The-she	You have just passed your test so you should know you need insurance for you to drive any vehicle. save up & buy your own car & insurance Was this answer helpful to you? Yes / No

thefowlkes	It's their house and their cars and you are also THEIRS until you are an adult. So regardless of what the law says, it's their rules. Now to give you an idea of what driving and insurance is really about, a youthful driver is VERY expensive to insure. If you were not living in the house and did not have access and control of their vehicles, you could drive the car occasionally as a permissive driver. As long as you live with them (share the same address as the car's garaging address), they must have you insured on their cars for you to drive and pay the higher premium. If they do not, their insurance company has the right not to pay a claim where you are at fault. You could also receive a ticket (technically) for driving without insurance. This, of course, all depends on your state but most states are the same in this regard. You can also get an insurance policy as a non-owner driver (a driver without a car). Good luck finding a company, but there are some out there. Insurance on your own will be even more expensive since most companies use credit rating which you have none. In your defense, though, their insurance may go up anyway without putting you on the policy. The insurance campanies can find out how many licensed drivers (and their ages) are in a household. They want to cover their assets. They will raise the rates anyway unless your parents specifically exclude you from the policy. You could always get an old tank of a car and add it (and yourself) to your parents policy. Then pay them the difference in auto insurance out of your pocket. Was this answer helpful to you? Yes / No

gomanyes562	Yes, they are right. There is no law stating exactly that, but there is a law saying no one can drive without insurance, teen or not. Most car insurance policies cover guest drivers, but only adults. So in order to get you covered on their cars, they would have to add you to their policy and pay extra, which they apparently don't want to do. Was this answer helpful to you? Yes / No

Scott H	They are absolutely right. Even though they have insurance, you are not listed as a driver, for which they would have to pay additional premiums. It is against the law in all 50 states for anyone, regardless of age, to drive without insurance. If you were to get into an accident, it could ruin your parents financially. Was this answer helpful to you? Yes / No

Chakra	They're right, so you better don't sneak out with the car :P Driving without license is an offense and you'll get in trouble with the law. Was this answer helpful to you? Yes / No

Pat	Yeah they're right. The car is only insured for your parents. They would need to add you to the policy. If you were to get in an accident insurance wouldn't pay because your not listed as a drive for your parents car in the insurance policy. Was this answer helpful to you? Yes / No

bevsthe1	Everyone needs insurance and that includes you Was this answer helpful to you? Yes / No

ken p	if you are a l driver they can add you to their policy but depends on car can cost has much as £2000.00 more per year extra yes no yes yes yes-------------------------------------... check it out Was this answer helpful to you? Yes / No

Scouse	UK They are right. In any event it is not your car but theirs so they can decide if they are prepared to pay extra on insurance or not. You do not say if you have a full or provisional licence. If a provisional you need to have a qualified driver with you. try the Road Traffic Acts and Statutory Instruments. don't try to be a smart ars- . You obviously do not read the newspapers, because if you did you would not be asking this question. Frankly with you attitude I think you r parents are wise not to let you have the car, you are an accident trying to find somewhere to happen Was this answer helpful to you? Yes / No

Em W.	you can lose your license and get fined for driving uninsured Was this answer helpful to you? Yes / No

sensible_man	There is an ACTUAL law for everyone, not just teens that says you must be insured to drive. In your case, should you get caught driving without it, you would probably lose your license until you turn 21. Your parents may not be able to afford to put you on their policy. Teen drivers are not cheap. Then too, have you shown that you are a resposible person in other matters? If not, that could be the reason. Was this answer helpful to you? Yes / No

dodge man	unless your added to their policy ,it wont cover you,so they are telling you the truth on this one,if they add you on their policy then you could drive their cars legally,that might be something you want to talk to them about,good luck on it. Was this answer helpful to you? Yes / No

guitarman051	Your parents have to add you to their insurance policy, SO GET A JOB. This will at least show them that you are responsible. I had to when I was your age. Was this answer helpful to you? Yes / No

Citizen DeCat	Unless you are named on your parents insurance policy, then yes, they are right. There may be a number of reasons why they won't do this; it could be too expensive, or perhaps their cars are too powerful to be trusted to a 17 year old newly qualified driver. You need to demonstrate your maturity by getting a job, and saving up for your own car (and insurance). Was this answer helpful to you? Yes / No

kokopelli	yes, you need insurance. The reason they do not have you on their policy is (1) it would be very expensive, and (2) if you cause an accident and you kil some other people your parents could be sued and lose their house and any other assets, and (3) they don't want their cars to get wrecked. You should not even be driving, but if you want to, get a job, buy your own car and get your own insurance. But I will tell you one thing: it will be cheaper to rent a limousine. Was this answer helpful to you? Yes / No

bundysmom	Your parents are right. Just b/c you have your license doesn't mean 1) they have to let you drive their cars and 2) give you free reign to do so. They're still your parents, and it's still their property. Is there a law? Not exactly....it's called permissive use and if you don't have it, you're in big trouble. Was this answer helpful to you? Yes / No